Maximizing the resale value of your car

You’ve been planning to sell off your car, but are disappointed with the value offered. Well, here’s our Turtle who’ll reveal the secrets of maximizing the resale value of your car.

What is Car Insurance

Rahul knows a lot more about Car Insurance now, and so do you. To know more about CAR INSURANCE call our Car Expert at 1800-266-0101
or visit our website at:

Read more about All you need to know about car insurance

Read more about Benefits of buying car insurance online

Read more about Anatomy of car insurance plan

10 items to build your car emergency kit

Is car insurance enough to keep your newly bought car safe?

So you just bought a new car. Now all you have to do is get the car insurance with lowest premium and you are good to go. Well, that is what you would like to think.

Now, imagine you are on a road trip,  everything is going fine, but just then your car breakdowns. What do you do? Simple, hitchhike to the nearest gas station, get the mechanic and resume your exciting adventure. Sorry to snap you out of fantasy but this phenomenon is only restricted to ideal and lucky situations. There have been cases when people were stranded for days after car breakdowns.

So, what is the precautionary checklist one has to refer?

To start with, buying car insurance add-ons like roadside assistance is a smart way of getting the most out of your insurance. To get the least premium rates, you need to follow maximum safety measures like ARAI approved anti-theft device, etc.

Next is a car emergency kit which can be used during distress. This will find you a temporary fix to avoid further damage and depreciation. We have noted down a list of essentials for your car emergency kit.

  1. First-aid box
    A comprehensive first aid kit with your prescriptions, pain-killers, sterile dressings, plasters, anti-septic wipes and cream, cotton, tweezers, bandages, a pair of scissors.
  1. Solar-cum-battery gadgets
    These dual-powered gadgets should include flashlights, phone charge and radio along with extra batteries.
  2. Multipurpose utility tool
    A Swiss Knife or a Leatherman Tool have numerous uses, right from opening a can of food to cutting wires and ropes, you name it and these tools have it.
  3. Non-perishable snacks and water
    There have been cases where people were stranded for weeks at a stretch without help. To sustain in such situations, there are protein bars and packaged drinking water products with a shelf-life of up to five years available in the market.
  4. Foam tire sealant
    A quick solution to repair flats until you find the next gas station or roadways help.
  1. Rain Poncho
    Monsoons can get rough, especially in the southern parts of India. A rain poncho can be used to cover not just yourself but anything and is pretty versatile in use.
  2. Mechanical Toolkit
    On purchase, the cars usually come with a mechanical toolkit which has everything you will need, from pliers to screwdrivers, in a case of a mechanical breakdown. Make sure you always have it in the vehicle while travelling.
  3. Fire Extinguisher
    Always carry a small and easy-to-store fire extinguisher in your car. In certain cases, you are unable to claim the insurance benefit on extinguishing the fire yourself. For clarity on the types of fire and other claims covered under a car insurance, you can ask the Turtlemint chatbot.
  4. Cash
    Having cash in lesser denominations is quite practical for emergencies.
  5. Documentation and Contact Cards
    We suggest a copy of your car-related documents in the kit for reference and contacts. Your insurance company and agent can be your helpline in a disaster due to their expertise in handling such cases. Contact numbers of the car insurance company, especially the 1800 number and your insurance agent need to be accessible at such times.

Don’t forget to add miscellaneous stuff like duct tape, match box, rags and tissues and a plastic whistle, that can come handy during a crisis.

If you are a Turtlemint customer, our Roadside Assistance feature is included in every policy, so you can get in touch with us at 1800-266-0101 or even use the Turtlemint chatbot.

Read more about All you need to know about car insurance in India

Read more about Anatomy of car insurance

Read more about Benefits of purchasing car insurance online

5 things that impact your car insurance premiums

As you all are aware that Car Insurance is mandatory in Indian Laws as per Motor Vehicle Act. So, while purchasing your Car insurance ensure that your insurance premium is reasonable and provides you with all necessary benefits. There are many factors that affect your car insurance premium. Some factors are beyond anyone’s control. While, some factors are controllable. There are few things that you didn’t know impacted your Car Insurance Premiums:

 #1 IDV, Coverage amount, voluntary deductibles and compulsory deductible

  • IDV: Insured Declared Value is the highest Sum Assured fixed by the insurance company. IDV is given at the time of theft or loss of vehicle. The insurance company will compensate their policy holder if your car undergoes complete loss.
  • Coverage Amount: Coverage amount is the maximum amount paid by the insurance company for the loss of insured vehicle. Every coverage of a policy has its own limit. You can adjust it as per your needs and requirements. The premium amount is based on your coverage amount. Higher the coverage amount, higher will be your premium amount.
  • Voluntary Deductible: Voluntary deductible is usually fixed by policyholder themselves. It plays a significant role in your premium amount. Here, the policyholder will fix a certain amount as their deductible. This amount they will pay during every claim. For example, Mr. Raj has met with a car accident. Their claim sums up to ₹10,000. The policyholder decides to pay ₹3,000 of the claim. This amount is said to be voluntary deductible. The remaining ₹7,000 will be paid by the insurance company. Thus, voluntary deductible provides sufficient percentage of discount on your premium.
  • Compulsory Deductible: Compulsory deductibles is that amount which is fixed by the insurance company on the premium amount. This amount has to be paid to get your damage claim. For example, the policyholder decides to fix their voluntary deductible to be ₹3,000. In that case, policyholder will get a discount of about 20-25% on their insurance premium amount. But, they will have to pay the compulsory deductible amount decided by the insurance company.

 #2 Driving record and geographical boundaries

  • Driving record: Your driving record depends on the company and your recent traffic violation or accident record. Some insurance companies look back for three years of your record. While some of them look back for 5 years or more. So, the company’s quotation and your driving record have a massive impact on your insurance premium amount.
  • Geographical boundaries: Your geographical boundaries, i.e., where you live also have a huge impact on your premium. Some localities are more accident prone. Insurance companies investigate about your crime rates, number of claims made in a year. These insurance companies are more aware about your neighborhood.

 #3 Whether your car has any anti-theft device

Due to increase in number of car thefts in our country, people prefer installing an anti-theft device for the security of their cars. Installing anti-theft device not only provides you security but also lowers your premium amount by offering discounts. This is because there will be less chances of your car being stolen, thus less claims will be made. Therefore, insurance companies encourage people to install an anti-theft device.

 #4 Discount for membership of any recognized automobile associations

If you are a member of Automobile Association of India, you can get discount on car insurance premium amount.

 #5 Discount for vintage car

In case of any vintage or classic car, ensure that while availing an insurance policy, the coverage should be as per car owner’s own requirement. For example, your vintage car is taken for rallies or to events on frequent basis. Then, the policy should cover any damages caused during the events. So, the insurance company provides coverage for damages caused due to restoration of the car or for public events. It also offers flexible premiums depending on the mileage of vintage car.


Thus, no insurance company will offer low rates to everyone. But there are some insurance companies who will offer low rates only to you. You need to search for them. So, look out for insurance companies who offer low rates of premium, discounts and claims on time.

7 tips for car insurance policy renewal

Today, motor insurance is a compulsory legal requirement. Choosing a suitable auto insurance policy has become a part of car buying process. With the variety of products offered by insurance companies, picking up the appropriate one has become quite difficult for car owners. Buying car insurance is a continuous process as you need to renew the policy year on year. That means, you need to face this tricky situation every year.

Read more about Motor vehicle insurance law in India

Here are some tips that can help you make the right choice as well as save money while renewing your car insurance:

  • Compare Various Policies: Increasing use of internet is creating a strong consumer base across the entire sector. Almost all the insurers have their own website and are providing a platform to go through their products in detail. With the help of their online premium calculators, you can easily calculate the premium by providing some basic information. Process of visiting each and every insurer’s website for policy details is a time consuming process and inconvenient at times. There are various policy comparison websites available today which helps you compare the policies of different insurer’s side by side easily basis your need. Insurance comparison portals are the convenient platform to compare and choose the best plan as per your requirement. Comparing policies will help you get a better rate and thereby saves your money.

Read more about Benefits of choosing your car insurance online

  • Additional Benefits/ Riders: It’s very important to consider the additional features of the policy while buying. There are many add-ons like zero depreciation cover and engine protector cover which makes your policy more efficient and economical. These two are generally recommended as must have riders for the luxury cars whose values tend to depreciate more over the years.

Read more about What to look for in a car insurance

  • Know your Car’s Value: In case your car gets stolen or suffers a total loss, insurance companies will compensate to the extent of current market value of your car which is called as insured declared value (IDV) in insurance term. Hence it’s important to know the present value/depreciated value of your car so that you can ensure to get the highest possible IDV.
  • No Claim Bonus: No claim bonus is reward from insurer to policyholder in the way of discount on premium for each claim-free policy year. Discount ranges from 20% after completion of first policy year to 50 % on completing 5 years of policy without any claim. Hence ensure to make use of your no claim bonus benefit at the time of renewal as it can reduce your cost of renewal by up to 50% over the years.

Read more about Anatomy of car insurance plan

  • Read all the Clauses Carefully: You should read the terms and conditions, clauses carefully before buying or renewing your car insurance policy to be familiar with the type of plan and the benefits offered by your insurer. It’s essential to know the portability clause as you can switch your policy from one insurer to another at the time of renewal. It’s better to ensure all your benefits from existing insurer like no claim bonus and valid IDV are continued even after porting to avoid any problems in future.
  • Cashless Facility at the Network Garages: Running behind insurance companies for reimbursement is sometimes very inconvenient. Check with insurance provider on the list of cashless network garages. Exclusive list of network garages are normally available in their website. You can also inquire with your preferred/ regular garages on the list of insurance companies they are tied up with to ensure hassle-free cashless claims.
  • Go for higher deductibles: Deductibles are the portion of claim which is borne by you as a policy holder. There are basically two types of deductibles-compulsory and voluntary. Compulsory deductibles are the mandatory deductions made by insurer on each claim and are unavoidable. Voluntary deductibles are optional. If you are voluntarily willing to pay more out of your pocket, your premium will be reduced. Hence, it makes sense to opt for higher deductibles if you have a good driving profile.


On a closing note, it’s essential to make a right and comparative choice considering the factors like features of the plan, riders offered, convenience and affordability of rates etc. Tips given above will make renewing process quick and easy. Investing some of your valuable time on research and comparing different policies available will surely help you save considerable amount of money when renewing your car insurance policy.

Read more about All you need to know about car insurance in India

Read more about Car insurance terminologies you need to know

When will car insurance not cover you?

For every car owner, his car is a living entity with soul. Everyone is protective about their valued asset. Even with all the safety gadgets installed, your cars safety on the road is unpredictable and any damage to your vehicle can put you under a lot of financial pressure. This is where the role of car insurance comes in.  Scope of coverage, exclusions and add-ons are the key points to be considered along with affordable premium rates while buying insurance for your car.

To understand when not to claim car insurance let us understand the scenarios when your car insurance claim can get rejected.

When can your car insurance claim get rejected?

Below are some of the most common situations when your claim gets rejected:

  • You were driving the car with expired driving license. Your claim in such situation will be rejected by Insurance companies as they do not cover damages caused due to driving without a valid driving license.
  • There is a heavy rainfall in your area. You are driving on waterlogged road. Due to water-logging your car engine gets damaged. You register a claim for repair cost. In this case, your claim gets rejected as consequential losses and electrical breakdowns are not covered in the main policy.
  • You have been using your Honda city for 5 years now. Due to more usage engine has weakened and you are getting a scuffing noise from break. In this case, claim would be denied by the insurer as gradual wear and tear is excluded in the policy.
  • Insurance companies will not tolerate your claims if an allegation on driver for driving under the influence of alcohol or drugs is proved.
  • Your claim for engine damage due to leakage of lubricating oil will be denied by insurer as mechanical failures are excluded from the basic cover.

However, some of the reasons can easily be fixed by opting for some additional riders at an added cost. For example, Zero depreciation rider will give a benefit of cover for wear and tear; engine protector rider will cover mechanical failures and electrical breakdowns.

When doesn’t it make sense to file a car insurance claim?

It’s quite obvious that you think of approaching your insurer for a claim as soon as your car is damaged. But, it’s important to assess the amount of loss as your claim may affect your no claim bonus benefit and future premiums. Get a quick estimate of repair and then decide whether or not to file a claim. Adverse claim history will directly impact your no claim bonus and you will end up paying higher renewal premium. If your car is not damaged badly and getting it repaired would not cost you much then it’s better to forgo the claim.

For an instance, your 4 year old Swift is damaged in a minor accident. The garage people have given an estimation of Rs.4000 for rectifying the damage. Without making a second thought, you register for a claim with your insurer. Suppose, you haven’t made any claims in last four years of the policy, then you would have definitely accumulated good amount of no claim bonus. Let’s say, your no claim bonus is Rs. 6000. In this case, by filing a claim you will lose out Rs. 6000 no claim bonus benefit on the next renewal premium and premium rates would also go up because of the adverse claim history.

There are more frequent chances of tiny accidents in metro cities. Hence it’s advisable to consider the impact of claim on future premiums and compare the quantum of loss with benefits that you have. If the benefit is considerably higher than the estimated cost of repair, then it’s not worth filing a claim. You could save much more by just paying out of your pocket.

When should you go for third party claims?

When your car is damaged in a traffic accident with another vehicle, you will have two options for claim (a) with your own insurer (b) third party claim. You will lose out on NCB benefit (especially if you are in 5th or 6th year of car insurance) by filing a claim from your own insurance company.But, many people do not prefer to go for third party claims, probably because it’s a clumsy and time consuming process. Isn’t it better to file the claim as ‘third party’ instead of loosing on ‘no claim bonus’ benefits?Yes. It’s definitely better to opt for third party insurance claim when you are not at fault in an accident.

Read more Is it worth buying third party car insurance policy?


To sum it up, it’s important to understand the terms of car insurance policy in detail before buying.You should keep in mind that the basic objective of car insurance is to provide financial protection and it does not make any sense to file the small claims which can adversely impact your insurance rates.

Read more about All you need to know about car insurance

Read more about Benefits of buying car insurance online

Read more about Anatomy of car insurance plan

Why choosing the right policy helps you take it easy

Have you ever yearned for a dish that is served exclusively at a restaurant in your city? Imagine looking forward to eating that delicious dish but as soon as you arrive at the place, it is crowded and the waiting time is ungodly. Your mood and your appetite are completely ruined. Had you known this beforehand, would you have made a backup plan?

From this example, it is quite evident how a casual evening can turn into a nightmare within a split second and without a backup plan, you’re often left stranded if not completely stressed and frustrated. Life can be quite uncertain and you can never predict the future. Owing to this uncertainty, it is important to have a backup plan. You can never afford to take chances with major concerns such as your health or your vehicle. This is where having an insurance policy comes into play. It is your sole backup that can let you take it easy during times of crisis. Whether your health is in jeopardy or your vehicle, having the right insurance policy like a super top up plan or insurance for your car with add-ons such as the roadside assistance cover, can really take the steam out of your mind and keep you at ease.

If you are confused how to go about picking the right policy that suits your needs, you can visit our website where you can not only choose and buy your own insurance but compare different plans as well. If you require assistance, you can always get in touch with our chatbot who’ll be glad to assist you 24×7.

We make picking an insurance policy comprehensible and easy. Head over to where every policy is #TakeItEasyPolicy.

Potholes and insurance make a winning combination

It’s no secret, no one likes potholes. Potholes increase during monsoons. Here is how you can take care of your bike at such times. They literally come in the way of you having a smooth ride. As much as we hate potholes, we’ve learnt to live with them. That’s because they’re not going away anytime soon. However, with the right kind of insurance, potholes aren’t such a bad thing. Let’s see why you need insurance to make your peace with potholes.

Read more about 12 tips to maintain your two wheeler in Monsoon

Keep it covered
There are many different types of insurance to choose from. However, you should always opt for one that provides pothole coverage. You might be wondering why you would need such a thing. That’s probably because you’re not fully aware of the damage a single pothole can do to your ride. Go over a pothole at the wrong speed and it can do a number on your tyres, which can cost you dearly. That’s why it’s always good to have pothole coverage in your insurance plan.

Read more about Everything you should know about two wheeler insurance policies in India

A friend in need, is a friend indeed
We’ve mentioned the kind of damage a single pothole can do to your ride. However, you probably haven’t thought about being stranded because of it. And that’s very much a possibility. Don’t worry, once again insurance comes to your rescue, literally. There are some insurance policies that provide on-site repair and towing service. This can be a lifesaver, in case you’re ever stranded because of a pothole. Know about roadside assistance cover in your insurance policy.

Read more about All you need to know about Roadside Assistance

A constant reminder
Until now, we’ve only talked about vehicle insurance with respect to potholes. But now we’re going to talk about health insurance. Going over a pothole usually makes you wonder about the wellbeing of your vehicle, but what about your wellbeing? There are thousands of pothole-related accidents in India each year. That should give you pause and think about your future. So the next time you go over a pothole, let it be a reminder that not only do you need vehicle insurance but also health insurance.

Read more about What is insurance and how does it work?

The best health policy in the world

Everyone wants the best out of life. The best food, the best clothes and the best house. But how about the best health insurance policy? That’s just as important as the other 3. Unless you’re a lone wolf, the family floater health insurance policy is perhaps the best you can invest in. Let’s look at the 3 reasons that make it stand out among the rest:

The family that buys insurance together, stays together:
The thing that separates the family floater policy from the rest is that it covers your family, along with you. So you don’t need to be selfish with your insurance. It covers your family members against multiple diseases, which is ideal if you have seniors living with you. Since it’s a one covers all policy, you don’t need to bother getting separate health insurance for other family members.

One for all and all for one:
Another thing worth noting about the family floater policy is that one member can claim the entire lump sum. This makes it ideal, if one family member is suffering from a critical illness and requires expensive treatment. So you won’t just be a family, but also like the Musketeers. “One for all and all for one,” should be your family insurance motto. In contrast, the lump sump can also be claimed by multiple members covered under the policy, multiple times.

Read more about family floater plan

A small price to pay, considering:
We’ve said it before and we’re going to say it again. Since the family floater policy covers your family members, you don’t need another insurance. This might cost a bit extra, but is totally worth it in the long run. If you’re on a budget, then getting the family floater policy that covers all is better than getting multiple policies for multiple family members.

Read more about Separate health insurance plans for parents of floater?

Read also An anatomy of an health insurance plan

Read more about Dejargonizing health insurance terms

12 tips to maintain your two-wheeler in monsoon

Planning for a long drive on your two-wheeler in monsoon? You and your two-wheeler can create magic on the open road in the pleasant weather. But monsoon is also a time when breakdowns and accidents are common because of water damage to the roads and vehicles. You can avoid mishaps by regularly servicing and protecting your two-wheeler. Here are 12 tips that can help you maintain your two-wheeler in the monsoon:

 #1 Apply anti-rust protection

Rain and the moisture in the atmosphere can rust and damage parts of your two-wheeler. Most two-wheelers have rust-resistant fibre bodies, but their main metal frames are prone to rust. As a precaution against the damp, coat the metal frame with a layer of anti-rust protection.

 #2 Look for covered parking spots

Are you parking your two-wheeler in the open, during monsoon?  Avoid doing that Rainwater can collect inside the vehicle and wear away major electrical parts, leading to long-term problems. Make sure you always park under a shade to shelter your vehicle from rain. Never park under a tree, however; heavy showers can cause a branch to fall and damage your two-wheeler.

 #3 Use a rain cover

It can be hard to find a covered parking while travelling. To protect your two-wheeler from the rain, you can carry a fitted rain-proof cover and use it when the proper shade is unavailable.

 #4 Oil chains, hinges, and levers

Water can rust the chains, hinges and levers, restricting the proper movement of your two-wheeler. Oiling of these parts will allow their free movement and help keep your two-wheeler in a good working order. You can also coat the battery terminals with grease to prevent moisture from getting at them.

 #5 Service your two-wheeler’s brakes

Water can cause damages to the brakes. Brakes become less responsive when the brake pads get slippery, rusty or jammed. Be sure to check the condition of the brake pads while servicing your two-wheeler. Also, never brake too hard in the rainy season as it can cause the two-wheeler to skid on the wet roads. Two-wheelers have either drum brakes or disc brakes. Clean the insides if your two-wheeler has drum brakes, and ensure the discs’ alignment plus the correct amount of brake oil in the case of disc brakes.

 #6 Check tyres

To avoid skidding, the tyres of your two-wheeler should be able to maintain a good grip in standing water or on a wet surface. Consider changing the tyres if they are balding or the treads are less than 2-3 mm deep. Tyre pressure also affects the grip. In the rainy season, keep the PSI level a little lower than the recommended level for dry conditions.

 #7 Clean up air-filter

Moisture can cause the tearing up and blockage of the air-filter. This can limit the clean air passing through and lead to your two-wheeler to stall or jerk on pulling the accelerator. Clean up the air-filter routinely in the rainy season to avoid these issues.

 #8 Check headlights

Visibility is usually low during a shower. Good lighting helps it, however. Thus, each time before you hit the road, check that the headlights work as well as they should. Also, put reflective stickers on your bike so that other drivers on the road can see you well.

 #9 Wash and wax in-between trips

Routine washes will prevent the build-up of dirt and muck that can be damaging to your two-wheeler. In addition, waxing after each wash will prevent rusting and keep the vehicle looking good and functioning well.

 #10 Wear protective gear

Your safety is much more important than your two-wheeler’s safety. Only when you are healthy, can you protect your two-wheeler. So, don’t forget to wear a helmet to protect yourself from a fall, and a raincoat to avoid getting a cold.

 #11 Choose a comprehensive two-wheeler insurance

Basic insurance is mandatory by law Read more about Motor Insurance act.. However, it only covers the loss or damage to life and property of a third party caused by an accident involving the insured two-wheeler. However, a comprehensive coverage also offers protection against theft, natural disasters, and other risks in addition to accidents.

Read more Everything you know know about two wheeler policies in India

To compare the best prices and get your insurance renewed, you can visit Turtlemint.

 #12 Get add-on insurance covers

  • Zero Depreciation: This add-on pays for full costs of repair and replacement of parts instead of only paying according to depreciated value.
  • Personal Accident: This covers accidental death, temporary or partial disability and permanent disability.

Read more about Two wheeler insurance plan’s add-ons

Read more about 5 tricks to get the best quote for bike insurance

If you follow the tips above, you will not just protect your bike against the dangers of monsoon, but also enjoy a good bike-ride in the beautiful weather.

Check out our video below to know these 12 bike maintainance tips in detail